| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $836 | — | $836 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $494 | — | $494 | 10.99% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $87 | — | $87 | 4.95% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $206 | — | $206 | 19.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $103 | — | $103 | 9.98% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $125 | — | $125 | 47.35% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $4 | — | $4 | 4.35% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $36K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $36K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $10K |
| Long-term disability | USABLE LIFE | 2 | $1K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.